Description
Using the material in the presentation,those below and other you find to develop a composite of the characteristics of the uninsured. What characteristics does the typical uninsured person have? This can be in a paragraaph or a list form. Include a reference for each characteristic. The references do not have to be in APA format but the web link of article must be able to be found by the instructor with the information provided by you. For this assignment you may use websites, journals, news artciles. Do not use blogs or social media sites as they may not be reliable.https://www.cdc.gov/nchs/products/databriefs/db382…https://www.hhs.gov/about/news/2023/08/03/new-hhs-…https://www.kff.org/racial-equity-and-health-policy/issue-brief/health-coverage-by-race-and-ethnicity/#:~:text=Coverage%20by%20Race%20and%20Ethnicity%20as%20of%202021&text=Nonelderly%20AIAN%20and%20Hispanic%20people,their%20White%20counterparts%20(7.2%25)
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The Uninsured in the US
By the end of the lesson, you will be able to answer the following questions:
•
What are the characteristics of the uninsured?
•
What are reasons why people are uninsured?
•
How EMTALA provides a safety net for the uninsured?
The nation’s uninsured rate reached a record low in 2022 of 8%. This is primarily due to the passage of
the America Recovers Plan which enhanced Marketplace subsidies, along with the continuous
enrollment provision in Medicaid, and several recent state Medicaid expansions (National Health
Interview Survey, 2022). Most of the uninsured are the working poor, low-income families that have at
least one worker in the family, but earn too much money to qualify for Medicaid, but cannot afford
health insurance.
Characteristics of the Uninsured
Hispanics and African Americans are disproportionally uninsured. The chart below demonstrates that
Hispanics have the highest rates of being uninsured. Males more than females and young adults tend to
have higher uninsured rates. This could be because many young adults are willing to take the risk they
will not need health insurance, or they cannot afford it. The less educated and those who are foreign
born have lower rates of health insurance coverage. States located in the south have higher rates of
uninsured citizens, primarily because many southern states have not expanded Medicaid coverage.
Reasons for Being Uninsured
Insurance is unaffordable.
Insurance is unwanted.
A period of transition is happening.
Time is scarce.
Information about insurance is scarce.
Employer does not offer a health plan
Employer offers a health plan, but employee is not eligible as a part-timer
Employer offers a plan and employee is eligible, but employee does not purchase because too expensive
Cannot find a plan that meets their needs
ACA and the Effects on the Uninsured
The Affordable Care Act (ACA) expanded Medicaid coverage to nearly all adults with incomes up to
138% of the Federal Poverty Level ($17,774 for an individual in 2021) and provided states with an
enhanced federal matching rate (FMAP) for their expansion populations. This has greatly expanded the
number of people who now have health insurance via Medicaid or the ACA Market Exchange.
Thirty-nine states and DC have expanded Medicaid coverage (as of 11/22). Those who have not
expanded Medicaid are mostly states in the South and Great Plains. Medicaid expansion remains a
controversial, political topic over a decade since the passage of the ACA.
Consequences of Uninsured
Not having health insurance leaves people without protection against catastrophes, higher out-of-pocket
prices, poor health, fewer services when care is used and worse outcomes. Being uninsured can lead to
higher levels or stress, especially financial distress, and higher death rates.
Safety Net for the Uninsured
Since 1985, it has been illegal for a hospital emergency department to deny care to anyone requesting it.
This is because of the Emergency Medical Treatment and Labor Act (EMTALA.) This federal law requires
anyone coming to an emergency department to be stabilized and treated, regardless of their insurance
status or ability to pay. Hospitals must provide medically appropriate screening, and treat or stabilize,
before transferring patients without insurance to a facility that can treat the patient. Most of this care is
financed from municipal budgets, Medicaid subsidies or Medicare.
Review Questions:
What are the effects of the ACA and America Recovers Plan on the uninsured in the US?
Why are some people still uninsured in the US?
How does EMTALA work?
3/5/24, 5:53 PM
Composite of the Uninsured – 2024-SP-BSHS-4150-CO1 Health Economics Section CO1 Spring 2024 CO – Augusta University
Composite of the Uninsured
Course: 2024-SP-BSHS-4150-CO1 Health Economics Section CO1 Spring 2024 CO
Criteria
Characteristics
References
Level 4
3 points
Level 3
2 points
Level 2
1 point
The student
provides
numerous
characteristics
from the D2L
presentation,
websites provided
and additional
websites.
The student
provides some
characteristics
from the D2L
presentation,
websites provided
and additional
websites.
The student
provides some
characteristics
from the D2L
presentation and
websites
provided
References for
each
characteristic are
provided.
References for
some of the
characteristics are
provided
Criterion Score
/3
/3
Total
/6
Overall Score
Level 4
Level 3
Level 2
Level 1
11 points minimum
8 points minimum
5 points minimum
0 points minimum
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3/5/24, 5:53 PM
Composite of the Uninsured – 2024-SP-BSHS-4150-CO1 Health Economics Section CO1 Spring 2024 CO – Augusta University
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